Find the Best Bank Rates, Savings Interest Rates, Money Market Accounts, & High Yield Savings! See below for our exclusive list of Savings & Money Market Accounts with the highest interest rate in the U.S!
Update 9/19/25: We’ve updated our list with the latest bank rates.
You’ll find all nationwide/state promotions, deals, and offers with full review for all your banking needs. All banks listed are federally insured by the FDIC for up to $250K per account. Make sure to read the terms and conditions for the official site.
I’ll review the best bank rates below.
Best Bank Rates & Savings Accounts
Discover® Bank Online Savings $150/$200 Bonus + 3.60% APY Rate
- Earn high interest rate of 3.60% APY
- No minimum opening deposit, no minimum balance requirement, and now no fees
- Interest on Discover Online Savings Accounts is compounded daily and credited monthly
- Manage your account online or with the Discover mobile app
- FDIC insurance up to $250,000
How To Earn Discover Savings Bonus
- Apply for your first Discover Online Savings Account through BankCheckingSavings.com by 9/11/2025
- Enter Offer Code LOP325 when applying. Enter your information, such as address, phone, email and social security number.
- Fund your first savings account with a minimum deposit of $15,000 within 45 days of account open date to earn a $150 bonus.
- Fund your first savings account with a minimum deposit of $25,000 within 45 days of account open date to earn a $200 bonus.
- Finally, verify information and electronically sign your application. They may ask your to verify some information on your credit report such as old addresses or loans.
(See advertiser website for full details. Member FDIC.)
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank.
American First Credit Union Money Market 4.30% APY + $1000 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 4.30% APY
(NCUA Insured)
Northpointe Bank High Yield Savings 4.25% APY + $1000 Bonus
No fees from Raisin. $1 minimum deposit.- 24/7 online access to funds.
- Community-driven banking rooted in lasting impact.
- Earn 4.25% APY
(FDIC Insured)
Harborstone Credit Union Money Market Deposit 4.25% APY + $1000 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Supports local organizations focused on financial literacy, community safety, and more.
- Earn 4.25% APY
(NCUA Insured)
Mission Valley Bank High Yield Savings 4.22% APY + $1000 Bonus
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Mission Valley Bank actively supports many non-profit organizations – making a difference throughout the communities they serve.
- Earn 4.22% APY
(FDIC Insured)
Western Alliance Bank High-Yield Savings 4.20% APY + $1000 Bonus
FDIC insured- Excellent rates with NO fees from Raisin.
- $1 minimum deposit. 24/7 online access.
- Earn 4.20% APY
(FDIC Insured)
Paprika Capital Bank High Yield Savings 4.16% APY + $1000 Bonus
- FDIC insured. No fees. $1 minimum deposit.
- Gives back to organizations who are a force for good.
- Earn 4.16% APY
(FDIC Insured)
mph.bank Money Market 4.06% APY Rate + $1000 Bonus
Earn 4.06% APY with a High-yield money market deposit account (MMDA)- Deposits are FDIC insured through Liberty Savings Bank.
- No fees. $1 minimum deposit.
- 24/7 online access to funds.
(FDIC Insured)
Live Oak Bank Savings 4.00% APY + $200 Bonus
Earn $200 plus 4.00% APY with a Live Oak Bank personal savings account.
How to earn bonus:
- Open a New Account. Open a Live Oak Bank personal savings account by 9/30/25.
- Fund Your Account. Deposit at least $20,000 into your account by 9/30/25
- Maintain Your Balance. Maintain a balance of at least $20,000 for 60 days.
- If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
- All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify.
Earn a competitive rate with the Live Oak Bank Savings account.
- Earn 4.00% APY on your funds with a Live Oak Bank Savings account.
- FDIC Insurance Up to Maximum Allowed by Law
- No Monthly Maintenance Fees
- Interest Compounded Daily
- Access Your Account Anytime with our Mobile App
(FDIC Insured)
Grand Bank Money Market 3.90% APY + $1000 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Family-owned bank that prioritizes customer relationships.
- Earn 3.90% APY
(FDIC Insured)
CIT Bank Platinum Savings $225 or $300 Bonus + 3.85% APY
Open a CIT Bank Platinum Savings account and get up to $300 bonus. Enter promo code PS2025 at opening. $100 minimum opening deposit.
How to earn bonus:
- Boost your savings when you open a new Platinum Savings account with the promo code PS2025.
- New customers must open a Platinum Savings account with a valid Promo Code, “PS2025.” The Platinum Savings account Bonus Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the bonus.
- New customers must deposit at least $25,000 for a $225 bonus, or at least a minimum of $50,000 for a $300 bonus into the enrolled Platinum Savings account within the first 30 calendar days following account opening (the “Funding Period”). The single or multiple deposit(s) of $25,000 or $50,000 or more used to fund the account must come from a funding source outside of CIT Bank.
- Transfers from existing CIT Bank accounts will not qualify. Funds already on deposit with CIT Bank are ineligible.
- The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.
- CIT Bank will deposit the qualifying bonus into the customer’s enrolled account within 60days following the 30-day funding period.
Terms:
- *Promotion Disclosures This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice.
- Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.
- Earn 3.85% APY on n balances of $5,000 or more.
- Competitive rates
- Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
- Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
- No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.
(Visit CIT Bank for more details)
- Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
SoFi Checking & Savings $325 Bonus + 3.80% APY
Earn more on your money with 3.80% APY and a $325 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $325 bonus + 3.80% APY
- Eligible account: SoFi Checking and Savings Account
- Credit inquiry: Soft pull, which does not affect your credit
- Where it’s available: Online nationwide
- How to earn it:
- In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(See advertiser website for full details. Member FDIC.)
Customers Bank High Yield Savings 3.76% APY + $1000 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Gives back to schools and organizations in their local communities.
- Earn 3.76% APY
(FDIC Insured)
CIT Bank Savings Connect 3.75% APY
Earn 3.75% APY with this new Savings Connect account from CIT Bank.
Savings that’s even more rewarding. Earn a competitive rate with Savings Connect. Open the accounts quick and easily.
(Visit CIT Bank for more details)
Blue Federal Credit Union Money Market 3.75% APY + $1000 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 3.75% APY
(NCUA Insured)
Quontic Bank High Yield Savings 3.75% APY
Earn 3.75% APY with a Quontic High Yield Savings Account- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
- Open an account online in just 3 minutes
- Interest is compounded daily and credited to your account every month
(FDIC Insured)
RBMAX High Yield Savings 3.66% APY + $1000 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Combines the benefits of big banks with the commitment to enhance local communities.
- Earn 3.66% APY
(FDIC Insured)
Capital One 360 Performance Savings 3.50% APY
Upgrade Premier Savings 3.42% APY
Exceptional 3.42% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
GreenState Credit Union High Yield Savings 3.25% APY + $1000 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Known for returning profits to members in the form of better rates and lower fees
- Earn 3.25% APY
(FDIC Insured)
Best Bank Rates
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| HUSTL | Money Market | 4.80% | No min/No max | Review |
| Elevault | Mobile Banking | 4.60% | No min/$40K max | Review |
| Pibank | Savings (app only) | 4.60% | No min/No max | Review |
| GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 4.50% | $10K min/No max | Review |
| Climate First Bank | Choice Money Market | 4.46% | $50k min/No max | Review |
| Fitness Bank | Savings Account | 4.45% | $100 min/No max | Review |
| EagleBank | High Yield Savings | 4.40% | No min/$500K max | Review |
| Zynlo Bank | Money Market | 4.40% | No min/$250K max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Brilliant Bank | Money Market | 4.35% | $1K min/$500K max | Review |
| My eBanc | Money Market | 4.35% | $100K min/No max | Review |
| Newtek Bank | High Yield Savings | 4.35% | No min/No max | Review |
| Peak Bank | Envision Savings | 4.35% | No min/No max | Review |
| Vio Bank | Cornerstone Money Market | 4.31% | No min/No max | Review |
| BrioDirect | High Yield Savings | 4.30% | $25 min/No max | Review |
| EverBank | Savings | 4.30% | No min/No max | Review |
| MyBankingDirect | High Yield Savings | 4.30% | $1.00 min/No max | Review |
| Enzo | High-Yield Checking | 4.27% | No min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 4.26% | $2.5k min/$500k max | Review |
| Bread Financial | High-Yield Savings | 4.25% | No min/No max | Review |
| CFG Bank | High Yield Money Market | 4.25% | $1K min/No max | Review |
| First Foundation Bank | Online Savings | 4.25% | $1K Min/No max | Review |
| First Foundation Bank | Online Money Market | 4.25% | $1K Min/No max | Review |
| Forbright Bank | Savings | 4.25% | No min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.25% | $2.5K min/No max | Review |
| Poppy Bank | Premier Online Savings | 4.25% | $1K min/No max | Review |
| Jenius Bank | Savings | 4.20% | No min/ No max | Review |
| Openbank | High Yield Savings | 4.20% | $500 min/No max | Review |
| Primis Bank | Savings | 4.20% | $1 min/No max | Review |
| Rising Bank | High Yield Savings | 4.20% | $1K min/$1M max | Review |
| State Bank of Texas | Jumbo Money Market | 4.18% | $100K Min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.15% | $50K min/No max | Review |
| RBMAX | Max Interest Savings | 4.15% | No min/$249,999.99 max | Review |
| TAB Bank | High Yield Savings | 4.15% | $1 min/No max | Review |
| Barclays | Tiered Savings | 4.10% | No min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.10% | $1 min/No max | Review |
| Popular Direct | High-Rise Savings | 4.10% | $5K min/$1M max | Review |
| SFGI Direct Savings | Direct Savings | 4.08% | No min/No max | Review |
| MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| Bask Bank | Interest Savings | 4.05% | No Min/No max | Review |
| Prime Alliance Bank | Personal Savings | 4.05% | No min/ No max | Review |
| Prime Alliance Bank | Personal Money Market | 4.05% | No min/ No max | Review |
| Primis Bank | Premium Checking | 4.05% | $1 min/No max | Review |
| CIBC Bank | Agility Online Savings | 4.02% | $1K min/No max | Review |
| Connexus Credit Union | Money Market | 4.01% | $1M min/No max | Review |
| Salem Five Direct | eOne Savings | 4.01% | No min/$1M max | Review |
| Betterment | Cash Reserve | 4.00% | No min/No max | Review |
| EverBank | Yield Pledge Money Market | 4.00% | $500 min/No max | Review |
| Fierce Finance | Cash Account | 4.00% | No min/No max | Review |
| Live Oak Bank | Savings Account | 4.00% | $1K min/No max | Review |
| Merchants Bank | MMA | 4.00% | No Min/$1M max | Review |
| North American Savings Bank | Savings | 4.00% | $25K min/No max | Review |
| Wealthfront | Cash | 4.00% | No min/ No max | Review |
| BankPurely | PurelyMoneyMarket | 3.95% | $25k min/No max | Review |
| iGObanking | Money Market Account | 3.95% | $25K min/No max | Review |
| PNC Bank | High Yield Savings | 3.95% | No min/No max | Review |
| Republic Bank | Digital Money Market | 3.91% | $2,500 Min/No max | Review |
| iGObanking | iGOindexmoneymarket | 3.90% | $25K min/No max | Review |
| Langley Federal Credit Union | Platinum Money Market | 3.90% | $1M min/No max | Review |
| My eBanc | eRelationship Savings | 3.90% | $100K min/No max | Review |
| Sallie Mae Bank | Savings | 3.90% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 3.90% | No min/$10K Max | Review |
| Affirm | Savings | 3.85% | No Min/No max | Review |
| All America Bank | Mega Money Market® Checking | 3.85% | No min/$100K max | Review |
| Redneck Bank | Mega Money Market | 3.85% | No min/$100K max | Review |
| Sallie Mae Bank | Money Market | 3.85% | No min/No max | Review |
| CNB Bank Direct | High Yield Savings | 3.80% | $1 min/No max | Review |
| CNB Bank Direct | Premium Money Market | 3.80% | $25K min/$2M max | Review |
| Lafayette Federal Credit Union | Preferred Savings | 3.80% | $20K min/No max | Review |
| Laurel Road | High Yield Savings | 3.80% | No min/$5M max | Review |
| PayPal | Savings | 3.80% | No min/ No max | Review |
| Synchrony Bank | High Yield Savings Account | 3.80% | No min/ No max | Review |
| First Internet Bank | Money Market | 3.77% | $4K min/No max | Review |
| ConnectOne Bank | Online Savings | 3.75% | $2.5K min/$250K max | Review |
| Dollar Savings Direct | Savings | 3.75% | No min/No max | Review |
| E*Trade | Premium Savings Account | 3.75% | No min/ No max | Review |
| Morgan Stanley | Preferred Savings | 3.75% | $1K min/No max | Review |
| MySavingsDirect | MySavings | 3.75% | No Min/No max | Review |
| Northern Bank Direct | Money Market | 3.75% | $500 min/$250K max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.75% | No min/No max | Review |
| VirtualBank | eMoney Market | 3.75% | No min/No maxa | Review |
| Western State Bank | High Yield Money Market | 3.75% | No min/$3M max | Review |
| Barclays | Online Savings Account | 3.70% | No min/No max | Review |
| Merrill | Preferred Deposit | 3.67% | $100K min/No Max | Review |
| Lafayette Federal Credit Union | Premier Savings | 3.66% | $20K min/No max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 3.65% | $2,500 min/No max | Review |
| USALLIANCE | High Yield Divided Account | 3.65% | No min/No max | Review |
| Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
| Ally Bank | Online Savings Account | 3.50% | No Min/No max | Review |
| Ally Bank | Money Market | 3.50% | No Min/No max | Review |
| American Express® | High Yield Savings account | 3.50% | No min/$5M max | Review |
| Capital One 360 | Performance Savings | 3.50% | $10K min/No max | Review |
| Citizens Access | Online Savings | 3.50% | $5K /$250K max | Review |
| EmigrantDirect | American Dream Savings Account | 3.50% | No min/No max | Review |
| Empower | Cash Account | 3.50% | No min/ No max | Review |
| Affinity Plus Federal Credit Union | Superior Money Market | 3.40% | No min/$25K max | Review |
| Citi | Citi® Accelerate Savings | 3.40% | No min/No max | Review |
| Jovia Financial Credit Union | Online Savings | 3.40% | $4.95 min/No max | Review |
| CFBank | Platinum Money Market | 3.39% | $25K min/No max | Review |
| Luana Savings Bank | Money Market | 3.35% | $2,500 min/No max | Review |
| BMO Bank | Online Savings | 3.25% | No min/ No max | Review |
| FNBO Direct | Online Savings | 3.25% | $1 min/$1M max | Review |
| Northpointe Bank | Ultimate Money Market | 3.25% | $25K min/$3Mmax | Review |
| Northpointe Bank | Ultimate Savings | 3.25% | $25K min/$3Mmax | Review |
| Paramount Bank | High-Interest Checking | 3.25% | No Min/$99,999.99 Max | Review |
| LendingClub | High Yield Savings | 3.20% | $2.5K min/No max | Review |
| Alliant Credit Union | High Yield Savings | 3.10% | No min/No max | Review |
| Credit Karma | High Yield Savings | 3.10% | No min/No max | Review |
| PenFed | Premium Online Savings | 3.00% | No min/No max | Review |
| Third Federal | Online Savings Plus | 3.00% | $5K min/No max | Review |
| Varo Bank | Money Savings | 3.00% | $0.01 Min/$15K Max | Review |
| Chime ($100 bonus) | Savings | 2.00% | No Min/No max | Review |
Best Business Bank Rates
Below you’ll find the best bank rates for business accounts.
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Mercury | Mercury Treasury | 4.26% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.00% | $200K Min/No Max | Review |
| Capital One | Business Savings | 3.70% | $10K min/$5M max | Review |
| Bluevine | Premier Business Checking | 3.50% | No Min/$3M Max | Review |
| Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
| First Internet Bank | Business Money Market Savings | 3.30% | No Min/$5M max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.25% | $10K min/No max | Review |
| Live Oak Bank | Business Savings Account | 3.10% | $200K min/No max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230K min/No max | Review |
| Lili Banking | Business Banking | 3.00% | No min/No max | Review |
| NBKC Bank | Business Money Market | 2.75% | No min/ No max | Review |
| LendingClub Banking | Business Savings | 2.00% | No min/No max | Review |
| Grasshopper Bank | Business Checking | 1.80% + 1% Cash Back | $10K min/No max | Review |
| Bluevine | Business Checking | 1.50% | No min/$100K max | Review |
| Greenwood Credit Union | Business Money Market | 1.50% | $250K min/ $500K max | Review |
| American Express | Business Checking | 1.30% | No min/ $500K max | Review |
| Paramount Bank | Business Money Market | 1.25% | No min/No max | Review |
| Premier America Credit Union | Business Money Market | 1.10% | $500K min/No max | Review |
| Axos Bank | Business Interest Checking | 1.01% | No min/ $49,999.99 max | Review |
| LendingClub | Tailored Business Checking | 1.00% | No min/No max | Review |
| Signature Federal Credit Union | Business Money Market | 1.00% | $50K min/No max | Review |
